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A joint study by Reown and YouGov surveying 1,000 crypto users across the U.S. and U.K. found 【37%】 of participants identified payments and artificial intelligence as primary adoption drivers for 2025. The report highlights stablecoins surpassing Solana in ownership, with 38% of respondents holding dollar-pegged assets compared to 37% for SOL.
Crypto payment usage grew 【34%】 year-over-year, outpacing traditional DeFi activities like staking. Notably, 27% believe payments will dominate blockchain applications within 3-5 years. ——This shift represents crypto's evolution from speculative asset to practical tool——, said Reown CEO Jess Houlgrave.
The survey uncovered generational divides, with 【51%】 of 18-34 year olds holding stablecoins versus significantly lower adoption among users over 45. Trading remains the most popular onchain activity (36%), though payments now rank second at 10%.
Houlgrave explained AI and payments address complementary challenges: "Payments create demand while AI improves usability." Machine learning applications now power fraud detection, personalized interfaces, and developer tools—accelerating mainstream accessibility.
Bitcoin maintains dominance with 【63%】 ownership, followed by Ethereum (48%). The findings suggest stablecoins are becoming gateway assets, particularly for younger users exploring crypto-powered remittances and gig economy payments.
"Global, borderless payments were blockchain's founding purpose," Houlgrave noted, referencing Bitcoin's whitepaper. With AI-driven UX improvements and growing merchant acceptance, the report suggests crypto is finally delivering on its promise as electronic cash—15 years after Bitcoin's creation.
Industry observers point to May 2025 comments from Mercuryo's CEO about rising crypto payroll adoption as evidence of this infrastructure shift. As more workers receive digital asset payments, demand for spending solutions naturally follows.